The difference between social security for residents and social security for flexible employees

The differences between residents' social security and flexible employment social security are as follows:

1, the insured population is different: the social security for residents is mainly aimed at urban and rural residents with local household registration, and the participants of flexible employment social security include individual industrial and commercial households without employees and part-time employees;

2. Different treatment levels: the pension benefits of residents' social security are mainly determined by the accumulated amount of individual accounts, and the pension benefits of flexible employees also include basic pensions, which are calculated according to the payment base, years and average social wages;

3. The choice of payment base is different: the payment base of residents' social security is fixed, while flexible employees can choose the payment base according to their grades;

4. Different insurance types: residents' social security does not participate in work-related injury and maternity insurance, and flexible employees can participate in unemployment insurance in some areas;

5. Different payment subjects: residents' social security is paid in full by individuals, and flexible employment social security can be paid jointly by individuals and units;

6. Different household registration restrictions: residents' social security requires local household registration, while flexible employment social security does not;

7. Different willingness to pay: Residents can decide whether to pay social security, and social security for flexible employment is usually withheld and remitted by the unit.

Types and characteristics of social security:

1. Features of social security for residents: Social security for residents usually refers to basic medical insurance for urban and rural residents and basic endowment insurance for urban and rural residents, and is applicable to urban and rural residents who have not participated in employee social security;

2. Features of flexible employment social security: flexible employment social security is social security provided for flexible employees without fixed work units, including basic old-age insurance and basic medical insurance, with flexible payment base and proportion;

3. Differences in payment methods: residents' social security contributions are usually paid in full by individuals, while flexible employment social security contributions may be paid by individuals or shared by individuals and the government;

4. Different coverage: the coverage of residents' social security is relatively small, mainly basic medical care and old-age security, and flexible employment social security may include more types of social insurance according to local policies;

5. Differences in eligibility for insurance: Social security for residents has no special restrictions on the identity of the insured, as long as both urban and rural residents can participate in insurance; Flexible employment social security is aimed at flexible employment groups such as freelancers and individual industrial and commercial households.

To sum up, there are obvious differences between residents' social security and flexible employment social security in terms of insured population, treatment level, payment base selection, participation, payment subject, household registration restrictions and willingness to pay.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 22

The state establishes and improves the social endowment insurance system for urban residents. The people's governments of provinces, autonomous regions and municipalities directly under the Central Government may, according to the actual situation, combine the social endowment insurance for urban residents with the new rural social endowment insurance.